SteveOH

5:23p ET November 18, 2008 (MarketWatch)

This is an update to correct the number of mortgages the FDIC plan aims to modify.

WASHINGTON (MarketWatch) — Democratic lawmakers told Treasury Secretary Henry Paulson on Tuesday that he must reverse course and spend some of the $700 billion in bailout funds to keep individual homeowners from losing their homes.

“Some of this TARP money has to be used for mortgage foreclosure prevention,” House Financial Services Committee chairman Barney Frank told Paulson at an oversight hearing on the Troubled Asset Relief Program on Tuesday.

“When the program was passed, very explicit language was included to provide for … mortgage foreclosure diminution as one of the purposes. There’s very specific language in there,” Frank said.

Paulson reiterated his opposition to using any of the money to buy mortgage-backed securities or individual mortgages, although that was his original plan in September when he asked Congress for an unprecedented amount of money to keep global credit markets going.

Paulson also opposed a proposal introduced Friday by Federal Deposit Insurance Corp. Chairwoman Sheila Bair, who is seeking to use $24.4 billion of the $700 billion authorized by Congress to modify loans and avert 1.5 million foreclosures.

Other Democratic lawmakers also expressed opposition to Paulson’s approach of investing money in banks and other financial institutions to bolster their capital and allow more lending.

Rep. Maxine Waters, D-Calif., expressed support for Bair’s mortgage foreclosure prevention approach. “The purchase of toxic assets was at the centerpiece of this program, because everybody agreed at that time that the sub-prime meltdown was at the epicenter of the dislocation that we were experiencing in our economy,” Waters said.

Rep. Carolyn Maloney, D-N.Y., said she was concerned that the TARP money was being used to fund bank transactions rather than getting credit into communities. “We’re basically funding mergers and acquisitions, not lending,” Maloney said.

Another Democratic lawmaker, Rep. Nydia Velazquez, D-N.Y., said she was concerned that Paulson’s capital injection approach wasn’t doing much for Main Street America. “They’re still waiting to hear an answer as to how this is benefiting them,” Velazquez said.

Paulson said he is sticking with his plan to use the first half of the allocated government capital, $350 billion, to buy significant minority stakes in large, mid-sized and small financial institutions. Paulson said he changed the approach as market realities changed with it.

“Although we are not planning to initiate another capital program beyond those already announced, an emphasis on capital seems to us to be the better strategy going forward,” Paulson told lawmakers. “Congress passed legislation to deal with financial instability, and that is what we are doing.”

He said the best way to turn around the weak housing market was to “increase access to lower cost mortgage lending.”

He argued that the government takeover of Fannie Mae and Freddie Mac was an important step in that direction.

Overall, Paulson and Federal Reserve Chairman Ben Bernanke defended on Tuesday their stewardship of the $700 billion financial market rescue plan. “A lot of it still hasn’t gone out to the banks. I think we’ve turned the corner in terms of stabilizing the markets and banks, but we will see restoration to lending” Paulson said.

Paulson said that there was “no playbook” for the Bush administration to follow and so strategy had to be adjusted. He said the financial markets would be worse off if Congress had not approved the package.

Bernanke said he saw some improvements in credit markets, but said overall conditions remain “far from normal.”

Bair said the FDIC would adopt a Temporary Liquidity Guarantee Program rule on Friday that would seek to unlock inter-bank credit markets and “restore rationality to the credit markets.”

Bair’s proposal would guarantee new, unsecured debt issued by banks, thrifts and bank holding companies issued between Oct. 14 and June 30. According to her proposal, debt issued cannot exceed 125% of senior unsecured debt that was outstanding as of Sept. 30 and scheduled to mature before June 30. The program provides insurance coverage for deposits typically used by corporations for payroll expenses.

I was speaking with my brother, and he’s super anal about how he keeps his files on his computer (alphabetical, with a set naming convention, from left to right, in specific folders, sorted in a way, etc etc).  But, his room is a mess… like, a bomb went off while he was cleaning up the explosion of a previous bomb.  Bad news.

So I told him “you suffer from Selective Anal Disorder… SAD… you are SAD”

LOL.

Monday! Monday! Monday!

So full of newness and excitement.
Don’t feel the same way? You’re doing it wrong!
Here are 20 ways to help you beat the Monday Blues:

1. Procrastinate feeling blue. Is a gloomy cloud forming above your head? Ignore it – you’ll give your attention to it later, not now.
2. Wear your best clothes or the cheeriest colour from your wardrobe. You’d be surprise how much your clothes could affect the way you feel about yourself.
3. Early start - bad things happen when you are late, the tension level is high, you are in a rush, you don’t have time for breakfast, when you arrive at your office, people are shoving work into your face. It may seem like a punishment to wake up earlier on Monday but trust me, when you have enough time to organize yourself, you’ll feel like you can conquer the day easier.
4. Treat yourself in the morning – Sit down and eat. Enjoy your food. Monday is Pancake Breakfast day for me, so I actually look forward to Monday mornings. But eat well - although it’s ok to treat yourself, make sure you eat well. I have a good serving of fruits along with my pancakes. Have enough to drink too - your malaise could be a sign of dehydration.
5. Have a list of why you’re having the blues – you might be surprised that there will be things on the list that you can easily work on to make your Mondays better. My problem used to be a completing work from last week (very difficult to gain momentum after a weekend break) which brings us to the next point:
6. Complete as much work possible on Friday – you’ll have less work to worry about on Monday, which lead to the next point:
7. Have everything laid out the day before – your clothes, files, etc. Saves you a couple of minutes in the morning so that you can concentrate on other, more important things.
8. Plan your day in small gentle steps. Apply micromovements throughout the day. You can use a GTD system or simply divide your day into of 1/2 – 1 hour chunks with a goal for each time unit.
9. Talk to a friend – it’s most likely he/she is having the blues too. Keep your conversation short. Remember this is about taking comfort in the fact that you aren’t alone in this, not an hour-long bitchfest about XXX from marketing.
10. Listen to happy songs – a tune can affect your mood. Let cheery, happy songs be the soundtrack to your Monday.
11. Dance - just move that body! Jog in place, stretch, do yoga. You’ll feel less lethargic.
12. Laugh and smile. Recall happy memories or a good joke. If you can’t think of any, do it anyway (fake it till you make it) Some research is saying that even the thought of laughing raises your endorphin (feel-good hormones) levels and a fake laughter provides similar benefits to a real one.
13. Affirmative statements – Today is a great day. I will complete my report today. Stick positive messages around your monitor and take them seriously.
14. Choose to feel happy. If you don’t already know, being happy is a choice, so choose happiness!
15. Buy something new for Monday – it doesn’t have to be big or expensive – a pen, a sketchbook, fancy post-it stickers. Monday is like a birthday for me- I get a present for myself nearly every week. I got myself a sticker for $1 today.
16. Try something new - you’d be surprise how easy it is to feel energized by doing something you’ve never done before. A new dish, a new song, a new route to work.
17. Start working. The thing about work is, it’s usually not the work that makes us tired, it’s the thought of starting work that makes us procrastinate and go into a cycle of unproductivity. Quit thinking about starting work and just work instead!
18. Take short breaks – too much work can be overwhelming and when this happens, it is easy for you to give up. Remember to take short breaks to recharge. If your schedule allows it, you can also take a 10 minute nap after lunch.
19. Plan something special for Monday night – meet a friend for dinner, rent a DVD. The day will be easier when you have something to look forward to.
20. Do not get distracted. Youtube, Facebook, personal emails. Once you allow yourself to get distracted you will be sucked into hours of time-wasting activities. If you don’t have the discipline to limit your distraction to 10 minutes, don’t attempt to do it at all. Reading blogs like this is another time-sucker so now that you’ve reach the bottom of the list, why don’t you get working!

By eHow Health Editor

There’s actually a scientific explanation behind those dreaded Monday morning blues. Our internal clocks naturally operate on a day that is longer than 24 hours. By the time Monday rolls around each week, we’ve built up a sleep deficit of at least an hour. Of course, the weekend revelries and facing another work week don’t help matters. Here are some tips to make Monday mornings a little easier.

Step1

If you can, sleep in an extra hour on Monday mornings. Going to bed early on Sunday night doesn’t always help because most people will remain awake until their usual bedtime.

Step2

If you can’t sleep in by a full hour (and most of us can’t), take action Sunday night to shorten your morning preparation time so that you can set the alarm for 15 minutes later than usual. Wash your hair, pack lunches, lay out your outfit or pack your briefcase on Sunday night.

Step3

Hop out of bed the moment you wake up on Monday morning. Lingering in that downy comforter will only draw out the agony.

Step4

End your shower with a jolt of cold water to tear yourself out of your grogginess. Or exercise in the morning to get your blood pumping and to release those feel-good endorphins.

Step5

Get out in the sunlight. Bright light tells your body that it is indeed the morning and helps reset your internal clock.

Step6

Drink coffee or another caffeine beverage. Although it’s not healthy to drink caffeine to the point of addiction, caffeine, when used in moderation, can give your Monday mornings that much-needed oomph and alertness.

Step7

Anticipate your Monday morning on Friday afternoon. Fight the temptation to race away from a messy desk. Clean up your desk and leave yourself a to-do list to make Monday morning a little more tolerable.

1. If you owe someone money, always pay them back in a bar. Preferably during Happy Hour.
2. Always toast before doing a shot.
3. Whoever buys the shot gets the first chance to offer a toast.
4. Change your toast at least once a month.
5. Buying someone a drink is five times better than a handshake.
6. Buying a strange woman a drink is still cool. Buying all her drinks is dumb.
7. Never borrow more than one cigarette from the same person in one night.
8. When the bartender is slammed, resist the powerful urge to order a slightly-dirty, very-dry, in-and-out, super-chilled half-and-half martini with a lemon twist. Limit orders to beer, straight shots and two-part cocktails.
9. Get the bartender’s attention with eye contact and a smile.
10. Do not make eye contact with the bartender if you do not want a drink.
11. Unacceptable things to say after doing a shot:
Great, now I’m going to get drunk.
I hate shots.
It’s coming back up.
12. Never, ever tell a bartender he made your drink too strong.
13. If he makes it too weak, order a double next time. He’ll get the message.
14. If you offer to buy a woman a drink and she refuses, she does not like you.
15. If you offer to buy a woman a drink and she accepts, she still might not like you.
16. If she buys you a drink, she likes you.
17. If someone offers to buy you a drink, do not upgrade your liquor preference.
18. Always have a corkscrew in your house.
19. If you don’t have a corkscrew, push the cork down into the bottle with a pen.
20. Drink one girly drink in public, and you will forever be known as the guy who drinks girly drinks.
21. Our parents were better drinkers than we are.
22. Never talk to someone in the restroom unless you’re doing the same thing – urinating, waiting in line or washing your hands.
23. Girls hang out, apply make-up, and have long talks in the bathroom. Men do not.
24. After your sixth drink, do not look at yourself in the mirror. It will shake your confidence.
25. It is only permissible to shout ‘woo-hoo!’ if you are doing a shot with four or more people.
26. If there is a DJ, you can request a song only once per night. If he doesn’t play it within half an hour, don’t approach him again. If he does play it, don’t approach him again.
27. Learn how to make a rose out of a bar napkin. You’ll be surprised how well it works.
28. If you can’t afford to tip, you can’t afford to drink in a bar. Go to the liquor store.
29. If you owe someone twenty dollars or less, you may pay them back in beer.
30. Never complain about the quality or brand of a free drink.
31. If you have been roommates with someone more than six months, you may drink all their beer, even if it’s hidden, as long as you leave them one.
32. You can have a shot of their hard liquor only if the cap has been cracked and the bottle goes for less than $25.
33. The only thing that tastes better than free liquor is stolen liquor.
34. If you bring Old Milwaukee to a party, you must drink at least 2 cans before you start drinking the imported beer in the fridge.
35. Learn to appreciate hangovers. If it was all good times every jackass would be doing it.
36. If you ever feel depressed, get out a bartender’s guide and browse thru all the drinks you’ve never tried.
37. Try one new drink each week.
38. If you’re the bar’s sole customer, you are obliged to make small talk with the bartender until he stops acknowledging you. Then you’re off the hook. The same goes for him.
39. Never tip with coins that have touched you. If your change is $1.50, you can tell the barmaid to keep the change, but, once she has handed it to you, you cannot give it back. To a bartender or cocktail waitress, small change has no value.
40. If you have ever told a bartender, “Hey, it all spends the same,” then you are a cheap ass.
41. Anyone on stage or behind a bar is fifty percent better looking.
42. You can tell how hard a drinker someone is by how close they keep their drink to their mouth.
43. A bar is a college, not a nursery. If you spill a beer, clean it up. If you break a glass, wait for a staff member to clean it up, then blame it on someone else.
44. Being drunk is feeling sophisticated without being able to say it.
45. It’s okay to drink alone.
46. After three drinks, you will forget a woman’s name two seconds after she tells you. The rest of the night you will call her “baby” or “darling”.
47. Nothing screams ‘Gay’ louder than swirling an oversized brandy snifter.
48. Men don’t drink from straws. Unless you’re doing a Mind or Face Eraser.
49. If you do a shot, finish it. If you don’t plan to finish it, don’t accept it.
50. Never brood in a dance bar. Never dance in a dive bar.
51. Never play more than three songs by the same artist in a row.
52. Your songs will come on as you’re leaving the bar.
53. Never yell out jukebox selections to someone you don’t know.
54. Never lie in a bar. You may, however, grossly exaggerate and lean.
55. If you think you might be slurring a little, then you are slurring a lot. If you think you are slurring a lot, then you are not speaking English.
56. Screaming, “Someone buy me a drink!” has never worked.
57. For every drink, there is a five percent better chance you will get in a fight. There is also a three percent better chance you will lose the fight.
58. Fighting an extremely drunk person when you are sober is hilarious.
59. If you’re broke and a friend is “sporting you”, you must laugh at all his jokes and play wingman when he makes his move.
60. If you’re broke and a friend is “ragging on you”, you may steal any drink he leaves unattended.
61. Never rest your head on a table or bar top. It is the equivalent of voluntarily putting your head on a chopping block.
62. If you are trading rounds with a friend and he asks if you’re ready for another, always say “Yes”. Once you fall out of sync you will end up buying more drinks than him.
63. If you’re going to hit on a member of the bar staff, make sure you tip well before and after, regardless of her response.
64. The people with the most money are rarely the best tippers.
65. Before you die, single-handedly make one decent martini.
66. Asking a bartender what beers are on tap when the handles are right in front of you is the equivalent of saying, “I’m an idiot.”
67. Never ask a bartender “What’s good tonight?” They do not fly in the scotch fresh from the coast every morning.
68. If there is a line for drinks, get your damn drink and step the hell away from the bar.
69. If there is ever any confusion, the fuller beer is yours.
70. The patrons at your local bar are your extended family, your father, hers, your brothers and sisters. Except you get to sleep with these sisters. And if you’re really drunk, the mothers.
71. It’s acceptable, traditional, in fact, to disappear during a night of hard drinking. You will appear mysterious, and your friends will understand. If they even notice.
72. Never argue your tab at the end of the night. Remember, you’re hammered, and they’re sober. It’s akin to a precocious five-year-old arguing the super-string theory with a physicist. 99.9% of the time you’re wrong and, either way, you’re going to come off as a jackass.
73. If you bring booze to a party, you must drink it or leave it.
74. If you hesitate more than three seconds after the bartender looks at you, you do not deserve a drink.
75. Beer makes you mellow, champagne makes you silly, wine makes you dramatic, tequila makes you felonious.
76. The greatest thing a drunkard can do is buy a round of drinks for a packed bar.
77. Never preface a conversation with a bartender with “I know this is going to be a hassle, but . . .”
78. When you’re in a bar and drunk, your boss is just another guy begging for a fat lip. Unless he’s buying.
79. If you are 86′d, do not return for at least three months. To come back sooner makes it appear no other bar wants you.
80. Anyone with three or more drinks in his hands has the right of way.
81. If you’re going to drink on the job, drink vodka. It’s the no-tell liquor.
82. There’s nothing wrong with drinking before noon. Especially if you’re supposed to be at work.
83. The bar clock moves twice as fast from midnight to last call.
84. A flask engraved with a personal message is one of the best gifts you can ever give. And make sure there’s something in it.
85. On the intimacy scale, sharing a quiet drink is between a handshake and a kiss.
86. You will forget everyone of of these rules by your fifth drink.

Tech and and auto industries lead the number of planned layoffs according to a monthly survey.

By Kenneth Musante, CNNMoney.com staff writer

October 1, 2008: 7:36 AM ET

NEW YORK (CNNMoney.com) — The number of job cuts announced in September rose as the economy slowed, according to a report released Wednesday.

Positions on the cutting board rose 7.2% to 95,094 from 88,736 the previous month, and were 33% higher than the same month last year, when 71,739 cuts were announced, according to outplacement consultancy Challenger, Gray & Christmas, Inc.

September brought the announced layoff total for the third quarter to 287,142 – the largest number since 2005, according to the report.

The computer industry was the hardest hit, with 25,715 positions on the line after PC maker Hewlett-Packard (HPQ, Fortune 500) announced the largest workforce reduction of the year, the report said.

HP said it would cut 24,600 jobs worldwide as a result of its acquisition of Electronic Data Systems Corp. But since those cuts were a result of the deal and not a consequence of the ailing economy, the report noted, HP’s workforce could gain many of those jobs back.

The struggling auto industry came in second place, with plans to drop 14,595 jobs, while the apparel industry came in third place, announcing 8,350 cuts, according to the report.

Surprisingly, planned job cuts were relatively modest in the financial sector, the report said, despite the turmoil that plagued the nation’s financial institutions during the month.

Banks wait for bailout

The data showed that finance industry had announced 8,244 job cuts in September, compared with a spike of 27,169 during the same month last year as the credit crunch began to unfold. But they did jump from 2,182 in August.

September saw a major reshaping of the financial landscape as institutions such as Lehman Brothers, Merrill Lynch (MER, Fortune 500), AIG (AIG, Fortune 500), Wachovia (WB, Fortune 500) and Washington Mutual were acquired, bailed out, or went bankrupt.

“While all of these scenarios are being played out, the fate of the workers remains in limbo,” John A. Challenger, chief executive of Challenger, Gray & Christmas said in a statement.

Financial institutions are waiting to see if Congress passes the Bush administration’s $700 billion rescue plan that would allow the government to buy up tainted assets in order to keep their businesses from failing.

Whether the bailout plan is approved by Congress – and what form it takes – will affect the number of layoffs that may eventually be announced, according to Challenger.

“One of the big questions is: Are there going to be more runs on banks and financial institutions?’” he told CNNMoney.com.

If there is no bailout plan, financial job cuts will likely increase, according to Challenger. On the other hand, if all banks take advantage of the government’s offer, the number of layoffs could be limited, since no one institution is singled out.

But if a bailout plan passes and is only embraced by a few institutions, that would emphasize the weakness of those companies, and we might see more job cuts, he added. 

So on 9/13/2008 I ordered an HP Tablet tx2500z because my old Fujitsu tablet’s keyboard began to malfunction, so I took that opportunity to upgrade the system (after much thought, of course).  There was a GREAT coupon code found on SlickDeals for an additional $150 off the already reduced price (price went from $1099 to 899), so I decided to pull the trigger on that deal.

After placing the order online, the site indicated it would take 10 days to build the machine.  10 days?  And then an additional 5 – 7 days for shipping.  Wha?  Why so long?  Well, I got a good deal, so I suppose I can wait.  Mind you, I’ve been anxiously waiting for this system, as I have a lot of work to do… and… I spent a lot of money.  So I want it!

It is now the 11th day of being “In Production”.  I called this morning to the Customer Service line and spoke to a nice Indian woman (I could tell from the accent  – and because I asked her).  She was kind, however, I was less than patient at this point.  She verified my information and then told me what I already knew

Customer Service: “The order is still in production sir.”

Me: “Yea, I knew that, that’s why I called. ”

She checked the system and there were no reported delays.

Customer Service: “Can you call back tomorrow and check?”, she said to me.

Me: “No, if I call back tomorrow, it will be to cancel my order and purchase the Dell tablet I should have ordered initially.”

Customer Service: “Ohh, sorry sir.”

Me: “I don’t want special treatment, I just want my item when it was promised to me”

Customer Service:  “I understand.  Please call back tomorrow.”

So, back to the title of this post.  If I owned HP stock, I would sell it like it were infected with ebola.  Why?  Because if it takes HP 10 days to build a laptop, and they can’t even produce a laptop in 10 days, then there’s an internal problem within this company.  Dell can produce laptops within 5 days of ordering, and have them out the door ON the 5th day.  Why in the world can’t HP do that?

Finally, while the customer service person was nice and sweet, she was not helpful.  Helpful, to me, means bringing to light something that I would not have noticed on my own, and thus, making the situation a bit more bearable, understandable, or at the very least give me some confidence that I won’t have to cancel my order and go with a competitor.  She was none of these.

This may have been a random occurrence, but I find it hard to believe. I think the cheap and low quality of the Compaq has crept its way up the chain of command, to the point where the company can’t even stay true to a very gracious and heavily padded deadline (10 days is just crazy!).

EDIT: 10.7.08

Another reason why I would sell, if I owned the stock, of course (and may explain why my experience was sub-par as a consumer): LiNK

Well, my car insurance had to be renewed recently, and I was with eSurance.  My 6 month premium was $415 (which I thought was descent).  I have never been in an accident and my last ticket was several years ago.  So I get a notice from eSurance that my new renewal premium was $563.  That’s a ~35% increase, and I haven’t been in an accident or anything?!

I called (quite a few times) to make sure there wasn’t something incorrect on my driving record, and there wasn’t.  The only thing they could say to me was “The premiums have increased in your state.”, I asked, “What’s the average increase?”, to which she replied “about 9%”.  I almost flipped!  “So why is my premium being raised by more than a third?”.  “I don’t know sir.”  PFFT, know this, I left eSurance.

I went online and got quotes, and eventually went with Geico.  Surprisingly, Geico’s premium for me came out to $260 for 6 months!!! That’s less than half of eSurance! WoOhoO!!  Same converage, same deductibles.  Same everything, with online paperwork too!

And I would like to say that the Geico customer service rep was delightful.  I tried to leave a good word with her supervisor, but that individual was not in yet (I called at like 8:40am).  She said “If you’re please with our service, please let someone know about it”.  I’m a man of my word, so that’s exactly what I’m doing.

Geico saved me 58% ($303) on my car insurance.  Highly recommended.

** Thanks Rob **

By Audrey Irvine
CNN

(CNN) — One of my girlfriends recently got engaged. Before we could even bask in her happiness, the conversation turned to the dreaded guest list.

Audrey Irvine was not only invited to her cousin’s wedding in 2004, she served as a bridesmaid.

Fun questions like, “So, honey, do we have to invite your great aunt, whom you haven’t seen since you were 10?”

So, who should get an invite?

Too often, women are pressured into inviting way too many people to their weddings out of a sense of obligation. Parents, prospective in-laws and grooms can turn a simple wedding into a grand affair.

And as soon as that engagement ring catches her eye, that occasional lunch acquaintance feels entitled to share in your happy nuptials.

Then you realize too late that the majority of people at your wedding don’t really know you or what has been going on in your life up until your big day. iReport.com: Share stories of your not-so-perfect wedding

This quiz is something I shared with friends years ago and feel inclined to share with other women.

Here are 10 questions couples can use to trim that guest list and weed out the people you really don’t want at your wedding.

1) Name the city I’m living in now (Good one to weed folks out, especially if you have moved a lot. Don’t use this if you’ve lived in the same place for 10 years).

2) Name at least two of my closest friends.

3) Name my current employer and my past employer (Again, if you’ve remained in the same job for 15 years, this does not apply).

4) Do I have any kids?

5) Do you know the name of my fiancé? Bonus question: Where and when did we meet?

6) Do you know where my parents are and whether they are still alive? (Imagine a friend at your wedding asking how long have your parents been married when they divorced years ago).

7) Name at least two of my hobbies.

How old am I? (My favorite is when family friends would query, ‘Are you 28 now?” Imagine their surprise when I proclaimed, ‘yeah, 10 years ago!’)

9) Where did I go to college? (Some people might not remember whether you attended college or even graduated.)

10) Name my last boyfriend before this engagement. Bonus question: if you can name the last two and why we broke up. If you get the bonus question right, that might automatically get you in.

Scoring helps determine whether you get invited.

If you score 50 percent or below, you definitely are not getting invited.

If you score barely over 50 percent, you are on the waiting list. If someone who scored better than you cannot attend, you might get an invitation. This barely acceptable person who might be invited may get you a great gift because of their guilt for scoring so low.

If you score over 60 percent, you get an invitation.

Now, you don’t have to be as extreme as I would love to be and send these questions with the save the date card. However, imagine if, over the course of your engagement, you pitch these questions to a few prospective guests just to see how they do.

In the end, what matters most is a beautiful wedding day and a sustained marriage.

Wouldn’t you like to celebrate it with loved ones who are invested in your past and present in addition to your future? Plus, it will help you avoid the embarrassing introduction of your new husband to someone who didn’t even realize until that moment that you didn’t marry your college sweetheart, whom you haven’t seen in 15 years!